NIC gets tough on fake motor insurance …as IGP backs roll-out of Motor Insurance Database

For vehicle users who have fake motor insurance stickers on their cars the end is nigh, as the National Insurance Commission – with backing from the Inspector General of Police -commences implementation of the Motor Insurance Database (MID).

With effect from 1st January 2020, according to the NIC, the objective of introducing the Motor Insurance Database (MID) is to curb the menace of vehicles with fake motor insurance stickers plying the roads and thus endangering lives and property.

The NIC, in a statement, noted that to ensure successful implementation of the database, old motor insurance stickers are no longer valid. “In other words, any old motor insurance sticker issued after Monday 20th January 2020 is illegal and must be rejected by members of the insuring public,” it said.

All insurance companies, the statement noted, have been authorised to upload all motor insurance policies issued prior to 20th January, 2020 onto the database. This will enable the police and general public to verify with accuracy the authenticity of such motor insurance policies.

IGP endorsement

The Inspector-General of Police (IGP) commended the NIC on its bold implementation of the database, noting that this initiative is long overdue and could not have come at a better time.

He bemoaned that the carnage on the roads being recorded at such an alarming rate barely a few days into the new year is worrisome.  IGP Oppong-Boanuh further called on the NIC to expedite action on training the Officers, Police Officers of the MTTD on the MID across the country for a more effective and successful implementation.

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He made these remarks when top management of the NIC led by the Commissioner of Insurance, Justice Yaw Ofori, paid a courtesy call on him at the Police Headquarters. Also present at the meeting was the Director-General of the Motor Traffic & Transport Division (MTTD) of the Ghana Police Service, COP Mrs. Beatrice Vib-Sanziri.

The NIC boss also commended the police for being key stakeholders in the motor insurance space as regards enforcement, without which the industry would have suffered a huge setback.

“The NIC will collaborate with the MTTD as they conduct random checks across the length and breadth of the country to rid our roads of uninsured vehicles with fake insurance stickers,” the Commissioner intimated.

“It is instructive to note that the number of uninsured vehicles on our roads is not easily detectable by the police, and this has cost many lives and property – a situation that warranted the development and ultimate implementation of this database. It is expected that this will provide the much-needed vehicle for increased insurance penetration in the country, thus contributing to real economic growth,” he added.

It will be recalled that Vice-President Dr. Mahamudu Bawumia made a formal declaration on the digital database in December 2019, and its swift implementation by the NIC is a demonstration of the regulator’s resolve to ensure consumer protection and prudent solvency of the insurance sector as stipulated in the Article 2 (3) of the Insurance Act 2006 (Act 724), and plugging the loopholes couldn’t have been this timely.

How the new database works:

Confirmation Texts

Upon the purchase of a valid motor insurance policy, the insured will receive a text message confirming that the motor insurance policy is authentic. The following is a sample of the confirmation text message:

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Status:      Insured

Class:       Comprehensive

Period:      01/01/2020 to 31/12/2020

Company: ABC Insurance Company

Reg.:         GT-7771-17

Prem:        GH¢000,000.00

From:        National Insurance Commission



How to check the authenticity of a motor insurance policy using a mobile phone

Members of the general public can verify the authenticity of a motor insurance policy by dialling a USSD code as follows:

Dial *920*57# and follow the instructions

The following is a sample of the output of the USSD check:


Reg.:                GT 3456 – 20

Insured?:          Yes

Make:               Toyota

Model:               Matrix

Colour:                Red

Inception Date: 01/01/2020

Expiry Date:      31/12/2020

Insurer:             Name of the Insurance Company

From:                National Insurance Commission


This functionality allows an individual to verify whether a vehicle has valid insurance before boarding it. The police can also use this functionality to verify the authenticity of a motor insurance sticker.

QR Code Scan

The MID comes with electronic Motor Insurance Stickers with QR Codes which are generated from the MID Portal. The QR code can be scanned with a QR Code Reader to verify authenticity of the sticker, and for that matter the insurance policy.

The following is a sample of the output of a QR Code scan:

Reg.:                   GT 1234 – 20

Make:                  Toyota

Model:                  Matrix

Colour:                   Red

Inception Date:     2020-01-01

Expiry Date:          2020-31-12

Sticker Number:   STPRT11111111111111

From:                   National Insurance Commission


Electronic Motor Insurance Sticker

Below is a specimen of the enhanced ‘look and feel’ of the new Motor Insurance Sticker for the attention of members of the general public:

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